The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,660
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,178
−HK$527/mo
Today · 4.125%
HK$17,705
baseline
▲ 0.50% · 4.625%
HK$18,782
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,410/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,534
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,031
−HK$504/mo
Today · 4.125%
HK$19,535
baseline
▲ 0.50% · 4.625%
HK$20,565
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,070/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,992
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,614
−HK$631/mo
Today · 4.125%
HK$21,245
baseline
▲ 0.50% · 4.625%
HK$22,538
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,490/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,241
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,837
−HK$605/mo
Today · 4.125%
HK$23,442
baseline
▲ 0.50% · 4.625%
HK$24,678
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,884/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,324
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,049
−HK$737/mo
Today · 4.125%
HK$24,786
baseline
▲ 0.50% · 4.625%
HK$26,295
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,572/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,947
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,643
−HK$706/mo
Today · 4.125%
HK$27,349
baseline
▲ 0.50% · 4.625%
HK$28,791
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,698/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,988
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,920
−HK$948/mo
Today · 4.125%
HK$31,868
baseline
▲ 0.50% · 4.625%
HK$33,807
+HK$1,939/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,736/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,361
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,256
−HK$907/mo
Today · 4.125%
HK$35,163
baseline
▲ 0.50% · 4.625%
HK$37,017
+HK$1,854/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,326/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,184 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).